CRA Not to Blame for Housing Debacle

[Toro]

How does a study that claims the CRA is not the primary cause of something prove that it did not contribute to it? Are you suddenly speaking a foreign language where "primary cause" means "only cause"?

Some people argue that the CRA is the primary cause of the Financial Crisis. I think that's nonsense. Did it play a minor role? It may have. But so did a couple dozen other factors play minor roles.